Should I get added as additionally insured with my handyman for this type of work?

Question

Its about $1300 of work. Basic things, gutter cleaning, downspout repair, siding repair etc.

I asked for proof of insurance and he said I was the first person to ever ask him. Other than PMs. Said hell get it to me before the work starts. Is getting added as additionally insured overkill?

Mark Williams · Answer

Hi Gurjot,

Asking for proof of insurance is a prudent move when hiring a contractor. It's not overkill to request being added as additionally insured, especially if the work involves potential risks like repairs to your home. This extra step provides an added layer of protection for you in case of any accidents or issues during the project. It's always better to err on the side of caution to ensure both parties are adequately covered.

Gurjot Grewal · Answer

@Mark Williams If the handyman carries his own liability insurance, and my home is insured, how necessary is that extra layer of protection ? I asked the handyman to add me as additionally insured but he said that is not something he feels comfortable doing.

@Kyle Sosnowski The handyman was referred to me by a contractor who used to work with my PM.

Kyle Sosnowski · Answer

Hi Gurjot,

Better safe than sorry.

Obviously you seem to have a smaller job here, but getting that additional coverage for yourself will not hurt you (for the security it provides in return)

You are very correct to request proof from the handyman you hired, this should be a staple for any job. And with this project, especially with being closer to the roof (regardless of that) there is a million ways for something to go wrong on a job, you know that.

Your extra caution is thinking as a professional.

Good Luck!

Just out of curiosity, where did you source that handyman you chose to hire?